Subcontractor and Employees

What’s the difference? Many of our builder clients ask us about the difference between an employee and a subcontractor or independent contractor for purposes of Workers Compensation and tax withholding. There are a number of rules of thumb on thisRead The Full Article »

Workers’ Comp Claim for an Excluded Owner

One of our builder insurance clients recently posed the following question: Could a builder who is excluded under his own policy be stuck with a workers comp claims for the owner of a subcontracting company who is not covered under his own Workers’ CompensationRead The Full Article »

Injuries at Employer-provided Housing

Are they covered under Workers’ Compensation In the case at hand, a migrant worker was injured when he fell on a wet sidewalk at housing supplied by his employer. The bunkhouse rule was argued and the rule acknowledges that there are circumstancesRead The Full Article »

Coffee Break Covered Under Workers’ Comp

In the case at hand, a New Jersey plumber was injured in an auto accident while driving to take a coffee break, with the permission of his employer.  He was injured while driving a company vehicle.  The plumber’s appointment wasRead The Full Article »